Patents by Inventor Manu Jacob Kurian

Manu Jacob Kurian has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 10636033
    Abstract: Embodiments of the present invention are directed to routing process authorizations to determine an appropriate legal entity name when an alternate entity name is provided. The system stores alternate entity names in a private or semi-private block chain distributed network, where a block chain ledger keeps an ongoing record of the alternate entity names and their associated legal entity name. When an authorization request is received that does not include a known legal entity name, the system will match the listed entity name with one of the stored alternate entity names, and thereby determine the legal entity name that should be associated with the authorization request.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: April 28, 2020
    Assignee: Bank of America Corporation
    Inventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
  • Patent number: 10621363
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for layering authorization of resource distribution documents within an entity. In this way, the invention generates a multi-step layering process for resource distribution document generation. As such, each individual involved in resource distribution document generation process may add a unique layer to the resource distribution document prior to being authorized for use. Once the several layers have all been applied to the resource distribution document, the document becomes authenticated and approved for use. In some embodiments, the layers may include physical layers on the resource distribution document, such as account numbers, signature lines or the like. In some embodiments, the layers may include digital layers that combine to create a digital or physical marking on the resource distribution document identifying authentication for depositing.
    Type: Grant
    Filed: June 13, 2017
    Date of Patent: April 14, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10621327
    Abstract: A resource instrument system, alone or in combination with a user computer system, may be utilized to capture information from third-party resource instruments associated with interactions, using a reader component, and process such third-party resources. Additionally, or alternatively, the resource instrument systems may also automatically capture interaction information associated with an interaction and automatically create one or more first resource instruments, using a writing component, in order utilize the one or more first resource instruments in interactions. Moreover, the resource instrument systems of multiple parties may interact with each other to facilitate electronic interactions that may include providing aggregated resources from multiple parties and providing a resource instrument to a third-party.
    Type: Grant
    Filed: October 11, 2017
    Date of Patent: April 14, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10607285
    Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing serializability of resource transfers in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: March 31, 2020
    Assignee: Bank of America Corporation
    Inventors: Darrell Johnsrud, Manu Jacob Kurian
  • Publication number: 20200092373
    Abstract: The system provides the ability for primary users (e.g., parents, or the like) to assign actions to dependent users (e.g., kids, or the like) through the use of devices located at the location of the dependent users (e.g., home, or the like). The actions may be tasks for the dependent users to complete using devices (e.g., appliances or other devices). Moreover, the primary users can monitor if the dependent users are undertaking the assigned actions using the devices, and in response, may control the use of other devices at the same location (e.g., entertainment devices) until the dependent users undertake the actions (e.g., start, complete, etc. the actions). Assignment of the actions and control of the devices may be made automatically in order to aid in achieving the one or more desired actions. Notification of the actions and/or instructions on how to perform the actions may pushed to the devices.
    Type: Application
    Filed: September 13, 2018
    Publication date: March 19, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Gopikrishna Nemalikanti, Albena Noveva Fairchild
  • Publication number: 20200090194
    Abstract: The present invention provides for automated resource allocation based on predictive analysis of allocation parameters for the resource to be allocated. In specific embodiments of the invention, the analytical analysis that predicts the future allocation parameters is based at least on the entities historical resource allocation events, including, but not limited to, preferred types of the resource, amount/volume of previous resource allocations, timing of previous resource allocation and the like. In other embodiments of the invention, the analytical analysis that predicts the future allocation parameters is further based on the current or predicted location of resource allocation entities and/or the current or predicted travel route of at least one of the entities.
    Type: Application
    Filed: September 13, 2018
    Publication date: March 19, 2020
    Inventors: Manu Jacob Kurian, Gopikrishna Nemalikanti, Albena Noveva Fairchild, Jeffrey A. Young, Stanley J. Schwartz, Mahesh Kumar Bhashetty, Ramanathan Sankarasubramanian
  • Publication number: 20200053049
    Abstract: Systems and method for determining and applying security measures, such as segmentation, obfuscation and/or insertion of dummy data, to data sets determined to require external quantum-level computing processing. In those embodiments in which the data set is segmented, external quantum-level computing processing entities are determined, such that each segment is communicated to a different external entity for subsequent quantum-level computing processing.
    Type: Application
    Filed: October 21, 2019
    Publication date: February 13, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Publication number: 20200044834
    Abstract: Systems and method for applying security measures to data sets requiring external quantum-level processing. Specifically, segmenting a data set into a plurality of data blocks/segments, such that each data block is communicated to different external entities for subsequent quantum-level computing processing of the data blocks. Once the data blocks have been quantum-level processed by the external entities and returned to the data provider/owner, the data blocks are combined to re-form the data set.
    Type: Application
    Filed: October 14, 2019
    Publication date: February 6, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Publication number: 20200034841
    Abstract: Embodiments enable a block chain distributed network arrangement system for facilitating a tiered dedicated block chain configuration to provide differing combinations of functions and levels of security. The system may identify factors within received information that indicate which dedicated block chain network should be used to record the received information. The dedicated block chains may be tiered based on the importance of the received information or a customer service level of a party associated with the received information. The system allows for recording of the received information in a distinct, dedicated block chain network that is appropriately configured for the functionality and/or security requirements of the received information.
    Type: Application
    Filed: October 7, 2019
    Publication date: January 30, 2020
    Applicant: Bank of America Corporation
    Inventor: Manu Jacob Kurian
  • Patent number: 10528929
    Abstract: A computer terminal typically includes a detachable item transfer mechanism and a docking station for receiving the detachable item transfer mechanism. The item transfer mechanism typically includes a housing defining a cavity and an opening to the cavity. The item transfer mechanism also typically includes a movable cover and a locking mechanism that is configured to secure movable cover over the opening. The locking mechanism is also typically configured to disengage the movable cover in response to a user providing authentication credentials or receiving an unlock command from the computer terminal. The computer terminal is typically configured to retrieve, via the docking station, a first item from the cavity of the item transfer mechanism and dispense, via the docking station, a second item into the cavity of the item transfer mechanism.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: January 7, 2020
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Publication number: 20190385165
    Abstract: Systems, computer program products, and methods are described herein for a system to enable contactless access to a transaction terminal using a process data network. The present invention is configured to electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device; retrieve, from the user device, a unique identifier associated with the user device; compare the unique identifier with a block chain of authentication information associated with the user to determine whether the unique identifier meets a condition associated with the block chain authentication information; receive an indication that the unique identifier meets the condition of the block chain thereby validating user identity; and allow the user to access the transaction terminal based on at least receiving the indication that the unique identifier meets the condition of the block chain.
    Type: Application
    Filed: August 27, 2019
    Publication date: December 19, 2019
    Applicant: Bank of America Corporation
    Inventors: Joseph Benjamin Castinado, Manu Jacob Kurian
  • Publication number: 20190379727
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating protocols and other operations associated with the transition of one or more resources from being arranged in a consolidated, privately-held structure to being arrange and/or distributed in a publicly available structure. In example implementations, the block chain database is used and updated to reflect the status degree of completion of protocols associated with the identification, characterization, and dissemination of resource characteristics and resource shares, including the fractional distribution of resource portions to effectuate the efficient transition of a resource.
    Type: Application
    Filed: August 23, 2019
    Publication date: December 12, 2019
    Applicant: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Darrell Johnsrud
  • Patent number: 10496989
    Abstract: Systems, computer program products, and methods are described herein for a system to enable contactless access to a transaction terminal using a process data network. The present invention is configured to electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device; retrieve, from the user device, a unique identifier associated with the user device; compare the unique identifier with a block chain of authentication information associated with the user to determine whether the unique identifier meets a condition associated with the block chain authentication information; receive an indication that the unique identifier meets the condition of the block chain thereby validating user identity; and allow the user to access the transaction terminal based on at least receiving the indication that the unique identifier meets the condition of the block chain.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: December 3, 2019
    Assignee: Bank of America Corporation
    Inventors: Joseph Benjamin Castinado, Manu Jacob Kurian
  • Patent number: 10484507
    Abstract: An enterprise-wide centralized system for managing data transfer/movement provided by a technology-agnostic and protocol-agnostic data transfer/movement module. The system comprises a plurality of networked servers, one or more hub servers and a service delivery management framework. The system is structured for controlling the initiation and disablement of data transfers and configuring routing, timing and protocol(s) for data transfers.
    Type: Grant
    Filed: July 26, 2017
    Date of Patent: November 19, 2019
    Assignee: Bank of America Corporation
    Inventors: Sorin N. Cismas, Manu Jacob Kurian
  • Patent number: 10467842
    Abstract: A portable item transfer container typically includes an item storage unit and an item transfer unit configured to (i) dispense items stored in the item storage unit and (ii) receive items and store the items in the item storage unit. The container also typically includes a memory, a processor, and an item transfer application stored in the memory. The item transfer application is typically configured to: receive an activity request from a user, wherein the activity request includes (i) a request to withdraw items or (ii) a request to store items; authenticate an identity of the user; determine that the location of the container is within an authorized region of the user; and in response to authenticating the identity of the user and determining that the location of the portable item transfer container is within the authorized region of the user, process the activity request.
    Type: Grant
    Filed: March 17, 2017
    Date of Patent: November 5, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10460367
    Abstract: A system for authenticating recipients of a physical item based on generating a random number and linking the random number to the physical item and the intended recipient. Once the intended recipient is in possession of the physical item and the generated random number, the intended recipient is authorized for the purpose of using/processing the physical item by presenting the random number for recipient authentication. In other specific embodiments of the invention, the physical item is generated with the random number included in place of personal information associated with the provider.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: October 29, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10454892
    Abstract: Systems and method for determining and applying security measures, such as segmentation, obfuscation and/or insertion of dummy data, to data sets determined to require external quantum-level computing processing. In those embodiments in which the data set is segmented, external quantum-level computing processing entities are determined, such that each segment is communicated to a different external entity for subsequent quantum-level computing processing.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: October 22, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10454993
    Abstract: A resource instrument system and/or user computer systems can monitor when one or more resource instruments have been removed from the resource instrument system and notify the user and/or entity that one or more resource instruments have been removed from the resource instrument systems in order to help identify potential misappropriation of the one or more resource instruments. Moreover, the user may pre-authorize the use of one or more resource instruments through the resource instrument system and/or the user computer system. In this way, a third-party receiving the resource instrument may check the validity of the resource instrument before acceptance of the resource instrument.
    Type: Grant
    Filed: October 11, 2017
    Date of Patent: October 22, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10447472
    Abstract: Systems and method for applying security measures to data sets requiring external quantum-level processing. Specifically, segmenting a data set into a plurality of data blocks/segments, such that each data block is communicated to different external entities for subsequent quantum-level computing processing of the data blocks. Once the data blocks have been quantum-level processed by the external entities and returned to the data provider/owner, the data blocks are combined to re-form the data set.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: October 15, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10440101
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating protocols and other operations associated with the transition of one or more resources from being arranged in a consolidated, privately-held structure to being arrange and/or distributed in a publicly available structure. In example implementations, the block chain database is used and updated to reflect the status degree of completion of protocols associated with the identification, characterization, and dissemination of resource characteristics and resource shares, including the fractional distribution of resource portions to effectuate the efficient transition of a resource.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: October 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Darrell Johnsrud